Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 25, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • If you are suing or being sued as a result of a car accident, it is in your best interest to higher an attorney
  • Do a lot of shopping around before you decide on the lawyer who will best represent your interests
  • You could lose your case, so reflect on this outcome before making any decisions


While you will probably never need one if you have a good insurance policy, a car insurance attorney can be used to sue another driver if they did not have adequate coverage at the time of the accident.

If you are the party that caused the accident and property, or bodily damage was caused to another party, finding a car insurance lawyer will help to protect your assets.

Enter your zip code above to access FREE car insurance rates from multiple providers!

Regardless of whether you have auto insurance, if you do not live in a no-fault car insurance state, you can be sued by anyone who is involved in a car accident with you.

You don’t have to cause the accident to get sued, and even your own passengers can bring a lawsuit against you.

Having the representation of a car insurance lawyer can save you money if you are found to be liable or even get the lawsuit thrown out if there is not enough supporting evidence.

Table of Contents

You Need a Car Insurance Attorney if You Are at Fault

If you were not issued a ticket at the time of the accident or found to be at fault, there is a good chance that you will not have to pay the party that is suing you any money.

It is not recommended that you attempt to represent yourself in court because the other party may have a very good lawyer and have access to evidence that could make you appear to be guilty.

Your car insurance company may be able to assign an attorney to represent you, but it is your job to make sure that you get adequate counsel.

You may want gather as much evidence as you can that supports your claim, then have consultations with any car insurance attorney that will represent you locally.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Where to Find a Good Car Insurance Attorney

Ordinarily, going through the phone book would provide the best resources, but in this situation you want to get a referral from someone that you know.

If you do not know anyone personally that has used the services of a car insurance attorney, try looking on the Internet for highly rated lawyers.

Although having a professional website is a good first impression, you probably shouldn’t go for the most highly advertised attorney.

When you find a few different car insurance lawyers that are willing to have a free consultation with you, make sure that you bring all of your important paperwork and tell them about your legal problem in as few words as possible.

Hearing the opinions of several car insurance attorneys will give you the information you need to figure out how to proceed. It may be in your best interest to pay a retainer if the best car insurance attorney you can find requires one.

It will take at least a few months before it is time for you and your car insurance lawyer to appear in court.

There may be pre-trial hearings, discoveries, and depositions before a court date is set for your car insurance case. If your case ends up going to trial, either a judge or a jury will hear arguments from your attorney.

Possible Outcomes After Using A Car Insurance Attorney

If you were sued by another party or prosecuted by the state due to having insufficient car insurance, you could face fines or jail time.

It is much more likely that you will have to pay the medical bills of the parties that sued you as well as restitution, but having a car insurance attorney represent you will lessen the amount of money you owe.

You can set up a payment plan if you don’t have enough money to pay at once, which is something else that your car insurance lawyer may be able to help with.

Suing another party with the assistance of a car insurance lawyer may yield various outcomes.

If you were able to win your case, your car insurance attorney would get a significant portion of your winnings.

Once you receive your settlement, the full amount of money that you owe to your auto insurance lawyer will be deducted.

If you lost your case, you will still pay your car insurance attorney a fee.

While the amount of money that you will owe will likely be much less than it would be if you were to win your car insurance lawsuit, it will be at least a few thousand dollars.

While you cannot predict whether you will win your auto insurance lawsuit, having a highly regarded car insurance attorney will certainly help your chances.

Make sure that you are fully prepared to go forward with your car insurance lawsuit, even though you can never be certain that you will win the case.

Enter your zip code for car insurance quotes from multiple providers today!